Magic Accuracy

So would this be a reasonable summary of hit rates thus far?

All physical classes and high-luk mage/clerics:
Char lvl >= Mob lvl : always hit
Mov lvl - Char Lvl >= 20: never hit
Mob lvl - Char lvl < 20: Hit rate = [20 - (Mob Lv - Char Lv)] / 20

Low-Luk mage/cleric class:
Rarely hit anything, formula unknown

I recall seeing that lukless/lowluk casters have just an easy of a time hitting things as a normal luk cleric.

Old wives tale.